Updated August 6, 2026

FR-44 Insurance in Virginia: Complete Guide

Virginia treats DUI convictions differently from every other violation. Instead of a standard SR-22, the DMV requires an FR-44 — and the difference is expensive.

What Virginia requires

100/300/50 liability limits — double the state's standard 50/100/25 minimums.

Three years of continuous filing.

Ignition interlock on every DUI conviction, including first offenses, for at least 12 months of restricted driving.

Reinstatement fees paid to the DMV.

Electronic verification — the DMV knows immediately if the policy cancels.

Why the price jumps so much

Virginia raised base liability minimums to 50/100/25 in 2025, so even a standard SR-22 policy costs more here than in neighboring states. Layer the FR-44's doubled limits on top of a DUI surcharge and the premium can double or triple.

Standard SR-22 vs FR-44 in Virginia

How to keep it manageable

Compare non-standard carriers at true FR-44 limits — the spread is large.

Drop comprehensive and collision if the vehicle is paid off.

Consider a non-owner FR-44 if you can go without a titled car.

Re-shop at renewal. Rates fall as the conviction ages.

Never miss a payment. A cancellation triggers an FR-46 to the DMV and immediate re-suspension.

Reinstatement order of operations

1. Complete court requirements, including interlock installation if ordered.

2. Bind an FR-44 policy at 100/300/50.

3. Confirm the carrier filed with the Virginia DMV.

4. Pay reinstatement fees.

5. Keep the policy in force for three years without a gap.

We file with Virginia DMV

We're an independent agency writing FR-44 and SR-22 policies statewide, with electronic filing usually the same day.

Need an SR-22 or FR-44 filed today?

We shop multiple carriers and file with the state the same day you buy.

Get an instant quote online Call 1-800-353-0545

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